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The Teachers Health Fund (THF) is run for teachers, by teachers, and is currently one of Australia’s biggest industry-based insurance funds. Teachers Health Travel Insurance products are products are underwritten by Allianz Australia.
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This is the broadest Teachers Health Travel Insurance product providing a wide range of cover:
This travel insurance plan is for travel within Australia, and therefore does not cover incidents related to personal injury that would fall under the terms of your own health insurance policy. However, it does provide cover in the following cases:
Available for a period of 12 months, this plan is ideal for those who travel often. You are covered for:
Also available as a single, duo or family option, this plan speaks to two sections of the policy:
| Benefits | Comprehensive plan | Essentials plan | Domestic plan | Multi-trip plan | Non-medical plan |
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| Overseas Emergency Assistance |
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| Overseas Emergency Medical & Hospital Expenses |
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| Emergency Dental Expenses [per person] |
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| Accidental Death |
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| Permanent Disability |
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| Hospital Cash Allowance |
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| Loss of Income |
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| Cancellation Fees and Lost Deposits |
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| Additional Expenses |
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| Travel Delay Expenses |
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| Alternative Transport Expenses |
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| Return Airfare |
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| Domestic Services |
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| Domestic Pets |
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| Luggage and Personal Effects |
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| Luggage and Personal Effects Delay Expenses |
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| Travel Documents, Transaction Cards and Travellers Cheques |
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| Theft of Cash |
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| Rental Vehicle Excess |
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| Personal Liability |
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Note: Information in the table is correct as of September 2017
While certain sports and activities are covered automatically under the terms of the policy, you have the option to upgrade your plan with additional options.
This optional extra is available on the Comprehensive, Domestic and Multi-trip plans for an additional premium and covers:
If you’re planning a stay in a golf resort or just spending a few days on the greens, you can boost your current plan with this optional extra to cover:
Cruise ships go in and out of international waters, and if your policy doesn’t cover injury or loss internationally, the financial ramifications can be catastrophic. The additional premium ensures coverage for:
For an extra premium, you can have your bicycle insured for up to $15,000.
A number of extreme sports are not covered under the travel insurance policy “automatically included sports and activities” section, so if you’re planning to engage in high-risk sports during your holidays, you'll need to cover possible injury or loss with the Adventure Pack.
You will not have cover under any section of your Teachers Health Travel Insurance policy if your claim arises from:
If you have to submit a claim, the key is to do it as quickly as possible after the incident. Peruse the conditions of your Teachers Health Travel Insurance policy to make sure that the incident is covered by your plan or optional extras. Here’s how to go about submitting a claim.
My wife and I are booking a 9 day trip to Hong Kong in early March and a 20 day trip to Vietnam and Cambodia in late November/early December.
Would a yearly comprehensive travel insurance policy be cheaper than a separate policy for each trip.
Hi Paul,
Thanks for your question. It will depend on the level of cover and the insurer you choose to go with. We have a page that compares the cost of a single trip policy with that of an annual. These costs were correct as of September 2015, so while these costs may have changed they should give you a general idea of where you’ll find the best value.
I hope this was helpful,
Richard